Multi-purpose card

ABSTRACT

A multi-purpose card includes a combination of a plurality of coupons detachably cut into the redemption card, a bar code imprinted onto the redemption card, integrated circuit chips, and/or a scratch-off foil overlying an offer or information printed on the card. The multi-purpose card may be housed integrally in a promotional mailer in the form of a two-piece in one post card. The card is created and defined within the promotional mailer by score lines intermittently cut through a top layer, base layer and plastic film of the mailer in a manner to securely maintain the card in place until forcibly removed.

RELATED APPLICATION

[0001] This application is a continuation-in-part of U.S. patentapplication Ser. No. 09/812,020, filed Mar. 19, 2001.

BACKGROUND OF THE INVENTION

[0002] The present invention relates to redemption and financial cards.More particularly, the present invention relates to a multi-purpose cardwhich may be disposed within a promotional mailer.

[0003] Coupon cards having a number of mini-coupons which may be removedand redeemed are well known. It is also well known to place anindividual mini-coupon directly on a product for instant redemption. Themini-coupons are a popular means of attracting customers and encouragingadditional sales. The prior art coupon cards and mini-coupons havevarious constructions and are used for a multitude of applications.Examples of some prior art coupon cards and mini-coupons are disclosedin U.S. Pat. Nos. 4,479,838; 4,767,654; 5,308,120; Des. 378,220;5,501,491; 5,865,470; Des. 395,455; Des. 415,194; and 5,417,458.

[0004] One-piece promotional mailers are also well known in the art.These mailers are typically sent through the postal service system undera bulk rate postage. The postal service system requires a particularsize and format for a first class postcard, which must be at least0.007″ thick and no more than 0.16″ thick, at least 3.5″ in width, andno more than 4.25″ in width, and at least 5″ in length, and no more than6″ in length. Cards which exceed the maximum postcard size are chargedan increased rate.

[0005] The mailers usually have advertisements, informational messagesand other like promotional verbiage imprinted thereon. There may also bean index card, such as Rolodex type business card, at least partiallyattached to the mailer. Specifically, the index cards are at leastpartially die cut from the mailer. A user then tears the index card outof the mailer. Examples of promotional mailers having removable indexcards are disclosed in U.S. Pat. Nos. 4,957,311 and 5,076,490. The priorart mailers, however, are formed of a single sheet of paper materialsuch that the structural integrity of the mailers is in question. Inaddition, the die cuts reduce the rigidity of the mailers. During thehigh speed processing of the mailers, the index cards may becomedetached or deform about the die cuts such that the mailers becomedamaged, mutilated or otherwise destroyed.

[0006] Coupon cards, although known in the art, have typically beenlimited to a single type. For example, the cards include only detachablecoupons, or a magnetic strip, or a bar code, or the like. In the eventhat more than one of these redemption means are included in the card,they are typically interrelated so as to remain one-dimensional. Thesame applies to other types of cards, such as financial credit cards,debit cards and the like. Typically, a consumer has a credit card issuedby one company, such as a Visa® card, which will have a magnetic barstrip and other identifying logos and information imprinted thereon.There are not only several types of credit cards, but also gasolinecards, department store cards, as well as other cards relating tospecific organizations and the like. The result is that the consumercarries multiple cards in his wallet or her purse. This is necessarilyso as one retail establishment may accept a particular credit card whilenot accepting others. Similarly, in order to qualify for a reduction inprice or other benefits, the consumer must present the particular cardof the retail establishment or gasoline service station often times inaddition to a credit or debit card upon payment. As most consumers canonly track a certain number of cards, as well as the fact that walletsand purses are limited in the cards that they can hold, the consumeroften times will limit the number of cards in his or her possession.

[0007] Accordingly, there is a need for a promotional mailer havingsufficient structural integrity to support a removable item disposedwithin the mailer. In addition, it would be desirable to incorporate theadvantages and popularity of the mini-coupons or other retail incentivemeans into the convenience of a first class or bulk rate promotionalmailer. It would be even more desirable to incorporate a multi-purposecard, having a plurality of mini-coupons, other retail incentives, orfinancial information into a structurally sound mailer. Finally, itwould be desirable to incorporate multiple redemption means, such asretail incentives, or means for conducting multiple financialtransactions on a single card. The present invention fulfills theseneeds and provides other related advantages.

SUMMARY OF THE INVENTION

[0008] The present invention relates to a two-piece in one postcardhousing an integral multi-purpose card in the form of a promotionalmailer, and a multi-purpose card. The promotional mailer generallycomprises a base layer, typically comprised of plastic or card stock,having a peripheral edge and first and second opposing surfaces. Aplastic film is laminated to the first side of the base layer. A toplayer is adhered to the second layer of the base layer. A release linermay be disposed between the base layer and the top layer. For additionalsupport, a plastic film may be laminated on the top layer. Amulti-purpose card is created in the promotional mailer and defined byscore lines intermittently cut through the top layer, base layer andplastic film so as to securely maintain the redemption card in placeuntil it is forcibly removed by tearing away the redemption card at thescore lines. The multi-purpose card has at least one edge which isdefined by the peripheral edge of the base layer. The multi-purpose cardincludes multiple means for redeeming offers associated with the card orconducting financial transactions.

[0009] Typically, the peripheral edge of the base layer, and thus thepromotional mailer, is defined by first, second, third and fourthperipheral edges which define a quadrilateral. Preferably, the first andthird peripheral edges are parallel to one another and have a length ofbetween 3.5 and 4.25 inches, and the second and fourth peripheral edgesare parallel to one another and have a length of between 5.0″ and 6.0″so as to qualify for post card bulk rate. At least one of the first orsecond surfaces of the base layer include matter imprinted thereon.Usually, the imprinted matter includes a postage area and an addressingarea positioned outside the redemption card.

[0010] The redeeming and financial transaction means associated with themulti-purpose card includes a first integrated chip associated with themulti-purpose card and at least one of a magnetic strip, a bar code,detachable coupons or a second integrated circuit chip. These redeemingand financial transaction means are often associated with the base layerof the card, which can be comprised of plastic or paper depending uponthe intended function of the card. The first or second integratedcircuit chip can be partially embedded into the base layer, or adheredonto a surface of the base layer or card. Typically, the multi-purposecard includes first and second integrated circuit chips which can be onthe same surface, or opposite surfaces, of the base layer of the card.The first and second integrated circuit chips can be aligned, ormisaligned with one another. The card may include a laminate layerincluding a hologram which overlies and is attached to the base layer.The card may also include a picture for security purposes or the like,as well as a defined area having information printed thereon and coveredwith a scratch-off foil treatment. The information underlying the foiltreatment can include passwords, activation information, or redemptionoffers. Preferably, the multi-purpose card has dimensions approximatinga credit card, so that it can be placed in the consumer's wallet. Themulti-purpose card can be housed in the promotional mailer, or producedand delivered by traditional means.

[0011] Other features and advantages of the present invention willbecome apparent from the following more detailed description, taken inconjunction with the accompanying drawings which illustrate, by way ofexample, the principles of the invention.

BRIEF DESCRIPTION OF THE DRAWINGS

[0012] The accompanying drawings illustrate the invention. In suchdrawings:

[0013]FIG. 1 is a top view of a front side of a promotional mailerembodying the present invention;

[0014]FIG. 2 is an exploded view of the promotional mailer of FIG. 1,illustrating the detachment of a redemption card therefrom;

[0015]FIG. 3 is a top view of a back side of the redemption card of FIG.2;

[0016]FIG. 4 is a cross-sectional view of a promotional mailer embodyingthe present invention;

[0017]FIG. 5 is an elevational view of a perforating rule, used toperforate the redemption card in a particularly preferred embodiment ofthe present invention;

[0018]FIG. 6 is a cross-sectional view of another promotional mailerembodying the present invention, and having a clear cover;

[0019]FIG. 7 is an exploded view of a redemption card derived from thepromotional mailer of FIG. 6;

[0020]FIG. 8 is an exploded view of another redemption card inaccordance with the present invention, having a clear front layer;

[0021]FIG. 9 is an exploded view of yet another redemption card having ahologram in accordance with the present invention;

[0022]FIG. 10 is a top view of a front side of a promotional mailerhaving a multi-purpose card bearing detachable coupons and magneticstrips;

[0023]FIG. 11 is a top view of a front side of a promotional mailer inaccordance with the present invention, wherein the multi-purpose cardincludes detachable coupons, scratch-off foil, a bar code, and magneticstrip;

[0024]FIG. 12 is a top view of a front side of a promotional mailer inaccordance with the present invention, wherein the multi-purpose cardincludes detachable coupons and an integrated circuit chip;

[0025]FIG. 13 is a top view of a front side of a promotional mailer inaccordance with the present invention, wherein the multi-purpose cardincludes detachable coupons, an integrated circuit chip, a bar code, anda scratch-off foil; FIG. 14 is an exploded elevational view of amulti-purpose card having an integrated circuit chip on one sidethereof, and detachable coupons on an opposite side thereof;

[0026]FIG. 15 is an exploded elevational view of a multi-purpose cardhaving an integrated circuit chip and detachable coupons on one sidethereof;

[0027]FIG. 16 is a top plan view of a multi-purpose card embodying thepresent invention and having an integrated circuit chip, magnetic strip,and detachable coupons associated therewith;

[0028]FIG. 17 is a top plan view of a multi-purpose card embodying thepresent invention having two integrated circuit chips, a scratch-offfoil area, and detachable coupons associated therewith;

[0029]FIG. 18 is a top plan view of another multi-purpose card embodyingthe present invention having an integrated circuit chip and a magneticstrip associated therewith;

[0030]FIG. 19 is a top plan view of a multi-purpose card embodying thepresent invention having two integrated circuit chips associatedtherewith;

[0031]FIG. 20 is a top plan view of another multi-purpose card embodyingthe present invention, having a magnetic strip, two integrated circuitchips, and a picture associated therewith;

[0032]FIG. 21 is a top plan view of a multi-purpose card embodying thepresent invention and having integrated circuit chips and bar codesassociated therewith;

[0033]FIG. 22 is a top plan view of a multi-purpose card embodying thepresent invention, having a scratch-off foil treatment area, and twointegrated circuit chips on opposite sides of the card;

[0034]FIG. 23 is a partially exploded top plan view of a multi-purposecard embodying the present invention, having two integrated circuitchips aligned with one another towards an edge of the card, and having alaminate thereon; FIG. 24 is a top view of a front side of a promotionalmailer in accordance with the present invention containing a redemptioncard and a key tag redemption card;

[0035]FIG. 25 is an exploded perspective view of a promotional mailersimilar to FIG. 24, illustrating the removal of the redemption card andkey tag;

[0036]FIG. 26 is a top view of a front side of another promotionalmailer containing a redemption card;

[0037]FIG. 27 is an elevational view of a promotional mailer in the formof a fold-over post card in accordance with the present invention;

[0038]FIG. 28 is an elevational view of a redemption card in accordancewith the present invention, illustrating a coupon removed therefrom;

[0039]FIG. 29 is an elevational view of track sheet used in accordancewith the present invention; and

[0040]FIG. 30 is a back side of the tracking sheet of FIG. 29.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0041] As shown in the drawings for purposes of illustration, thepresent invention is concerned with a promotional mailer, generallyreferred to by the reference number 10. Although not limited to such,the overall size of the promotional mailer is preferably limited to afirst class post card, wherein the peripheral edges define aquadrilateral having a length of between 5.0″ and 6.0″, and a width ofbetween 3.5″ and 4.25″. However, the promotional mailer 10 may be ofvarying sizes with added postage paid to send to the prospective user.The promotional mailer 10 includes a postage area 12 and an addressingarea 14 imprinted thereon, typically on a front side thereof.

[0042] With continuing reference to FIGS. 1 and 2, the promotionalmailer 10 includes a redemption card 16 which is built into thepromotional mailer 10 so that at least one peripheral edge of theredemption card 16 is defined by the periphery of the promotional mailer10. The redemption card 16 is defined by perforations 18 or the like, sothat the redemption card 16 can be detached from the promotional mailer10, as illustrated in FIG. 2.

[0043] The redemption card 16 includes promotional offers and the likeand means for redeeming such offers which are associated with theredemption card 16. As illustrated in FIGS. 1 and 2, the promotionaloffers comprise one or more coupons 20 which are detachably cut into theredemption card 16. Although these promotional offers can be associatedon either a front or back surface of the redemption card 16, typicallythey are created on the front side thereof, with identifying designs,trademarks or the like imprinted on the back side thereof, asillustrated in FIG. 3.

[0044] Referring now to FIG. 4, a cross-section of a promotional mailer10 embodying the present invention is shown. The promotional mailer 10is fabricated from three flat sheets of superimposed, layered material.The thicknesses of the layers are exaggerated to clearly illustrate thelayering of the mailer 10. The mailer 10 is comprised of a base layer 22comprised of plastic or paper. A plastic film 24 is laminated or a clearcoating applied to a front side of the base layer 22. Typically, theface (the back side of the mailer 10) of the base layer 22 is imprintedwith identification, graphics, or advertising and the like which isreadily visible on the mailer 10. The plastic film 24 covers theadvertising to provide a more durable and shiny surface to thepromotional mailer 10. The top plastic film 24 is known as “face stock”and is typically comprised of a clear plastic, UCL Polyolam NPL Film. Onthe other side of base layer 22 is adhered a coupon or redemption layer,referred to herein as the top layer 26, and known in the industry as the“front side”—referring to the front side of the mailer 10, which iscomprised of a suitable paper or plastic. Of course, prior to adheringthe top layer 26 onto the base layer 22, the postage 12, address 14 andother necessary information is imprinted onto the base layer 22.Typically, there will be an adhesive layer 28 intermediate the top layer26 and base layer 22.

[0045] The redemption card 16 is defined by the perforations 18 or thelike. Although there are a variety of means of producing suchperforations, it is preferred to use the teflon coated rule 30illustrated in FIG. 5. This rule 30 is constructed utilizing the mostmodern technologies for grinding to produce a variable tooth rule. Therule 30 includes a lower edge having stepped teeth 32 which are sized tocut through the layers 22-26 of the promotional mailer, while leavingstaggered portions which cut through all but 0.003″ of the layers 22-26.Thus, the rule 30 makes two stepped cuts at the same time. The teethcutting portions 32 cuts through the mailer 10, while the shorterportion of the rule 34 cuts through all but 0.003″ of material, leavingsufficient uncut portions of layers 22-26 to maintain the promotionalmailer 10 structural integrity. The rule 30 is configured such that thedownwardly projecting teeth 32 form perforations 18 entirely through allthree layers 22-26, while the raised portions 34 cuts through the toplayer 26 and base layer 22, leaving plastic film 24 unpunctured at thatsite. The plastic film 24, perforated in such a manner, is strong anddurable enough to hold the redemption card 16 in place while it ishandled in the mail system.

[0046] The thickness of the layers 22-26 when assembled to form thepromotional mailer 10 is preferably between 0.007″ and 0.016″ so as tomeet the requirements of a first class post card. However, thepromotional mailer 10 can be thicker with additional postage paid, ifnecessary.

[0047] In a particularly preferred embodiment, the redemption card 16comprises a single card which approximates the size of a credit card soas to be carried in one's wallet. The card 16 itself is thin, 0.007″ to0.016″ in thickness, and has approximate dimensions of 3.375″ in lengthand 2.125″ in width. The corners of the card 16 may be rounded duringthe perforation process.

[0048] As illustrated in FIGS. 14, the redemption card 16 includes aplurality of small coupons 20. The redemption card 16 may have as few asone but as many as sixteen peel-off coupons 20 secured thereto. It is tobe understood that the detachable coupon 20 can be of any size so as tofit on the redemption card 16. The detachable coupon 20 can be comprisedsuch that adhesive does not remain on the coupon 20 when removed, sothat the coupon can be sent to a clearing house for processing. Thecoupon face of the top layer 26 has coupons imprinted thereon which are“kiss cut” at regular intervals to form a matrix of small adhesivebacked removable coupons 20. The term kiss cut is a printers term and issimilar to a die cut, but the cut is made sufficiently deep to form theremovable coupons 20, without cutting into or through the remaininglayers 22 and 24. Each coupon 20 is cut at adjoining edges 34, 36 and 38by the kiss-cut process so that one can peel away a corner of the coupon20 with one's fingernail and then easily remove that particular coupon20. A “dog ear” marking 40 is illustrated at one corner of each coupon20 to visually indicate to the user where to begin the peeling process.The underside of the coupon 20 has an adhesive backing 28 which holdsthe coupon 20 in place. Each coupon 20 on the redemption card 16 hasprinted matter imprinted thereon when the promotional mailer 10 isfabricated. In a particularly preferred embodiment, the printed matteron each coupon 20 is for a cash price discount or a buy one-get one freeoffer at a restaurant or retail store.

[0049] Thus, the promotional mailer 10 requires approximately fivedifferent operations to construct the mailer 10. The layers 22-26 arecreated or obtained in sheet or roll form. Advertising or the like isthen printed on the face of the base layer 22, as well as on the toplayer 24 or 26 to create the coupons 20. After the printing has takenplace, the top or front face is covered with a durable plastic liner orsealed with a liquid protective sealant. The coupons 20 are thenkiss-cut after the printing process. Therefore, the process generallycomprises printing the top or front and bottom portions of the mailer10, adhering or laminating the plastic film and top or front layer 24and 26 onto both sides of the base layer 22, and kiss-cutting thecoupons 20 within the redemption card 16 after the redemption card 16has been perforated.

[0050] Although certain materials have been described as beingpreferred, it is to be understood that the specific materials used toform the promotional mailer 10 can be substituted and fabricated from agreat number of materials. The adhesive layer 28 can be of any number ofadhesives which permit the coupons 20 to be peeled therefrom.

[0051] Referring now to FIGS. 6-8, another embodiment of the promotionalmailer 10 is shown comprising four layers. Essentially, the constructionof this mailer 10′ is the same as previously described, with theaddition of a release liner 42 interposed between the base layer 22 andtop coupon layer 26. Thus, the four layers are the top protectiveplastic film layer 24, the base layer 22, the release liner layer 42,and the coupon top layer 26. Similar to that described above, the baselayer 22 is approximately 0.012″ in thickness. Once again, the front andback face of the base layer 22 have printed matter thereon. Preferably,the plastic film layer or protective coating 24 and release liner 42 areclear so as to view printed matter therethrough. As described in FIG. 3,the back face of the redemption card 16 typically contains the name ofthe card and information about the card 16, in the form of a billboardfor printing identification, graphics, advertising, etc. The front faceof the base layer 22 may include similar graphics, trademarks,information, etc. so that as the coupons 20 are removed, thesetrademarks and designs are visible through the release liner 42, actingas a form of advertisement for the trademark or issuer of the card.However, it is to be understood that the release liner 42 need not betransparent, but can also be opaque.

[0052] The release liner 42 can be formed with the adhesive applied tothe back of the base layer 22, which sets to form a clear release layer42. Alternatively, the release layer 42 can be comprised of a sheet ofclear plastic, with the adhesive applied between the release liner 42and the back of the coupons 20. It is to be understood that during thelaminating process is to form the completed card 16, the laminate can bemade to adhere to the other layers 22-26 without the application ofadhesive to hold the layers together.

[0053] The release liner 42 is preferably of a type of material thatevaporates immediately after the coupon 20 is removed from the base. Theremoved coupon 20 does not have any adhesive left on it after removalfrom the coupon card 16. The coupon 20 is treated as any other storecoupon in that after the coupon 20 is scanned with a bar code reader, itis placed in the coupon drawer along with all the other conventionalcoupons received. Any residual adhesive left on the coupon 20 wouldcause it to stick to the other coupons in the coupon drawer, or to thecashier's fingers, or to the bar code reader, which would make thecoupon unusable as a store cents off coupon. The release liner 42 an bea fine film about 0.001″ thick which is applied to the back of the basebefore the coupon layer is applied to the release liner 42. Thelaminated sheet is then run through a die to “set” the release liner 42.It is somewhat in liquid form, and yet cannot evaporate or sublimebecause it is sealed between the base layer and the coupon layer.

[0054] As illustrated in FIG. 8, a plastic or clear coated laminate 46or the like may be attached to the top layer 26, and subject to thekiss-cut process, for added support of the coupons 20. Referring now toFIG. 9, the laminate sheet 46 added to the top layer 26, or preferablythe plastic film layer 24, is imprinted with a hologram 50 or the likefor use as a security card or identification card. The imprintedinformation 50 may also include identifying indicia in the form ofdates, serial numbers, etc. Such cards can be used, for example, instate lotteries where the lottery cards are mailed to the purchasers andinclude holograms and identifying information 50 which is periodicallychanged to maintain the security of the lottery. Of course, such cards16 could also be used in government and corporate applications, such assecurity and the like.

[0055] With reference now to FIG. 10, a redemption card 16 is shownhaving a plurality of coupons 20 as well as a magnetic strip 52positioned along the bottom edge of the card 16. Typically, the magneticstrip 52 is devoid of information when the card 16 is fabricated, and anencoding machine electronically encodes any information on the magneticstrip 52 subsequent to the formation of the promotional mailer 10. It ismore preferable that the magnetic strip 52 be encoded at the time thepromotional mailer 10 is sent to the user. However, the redemption card16 may actually be detached from the mailer 10 and taken to a locationwhere the magnetic strip 52 is encoded before use.

[0056] Thus, a quantity of promotional mailers 10 including such cards16 could be fabricated and sold to the ultimate redeemer of the cards 16who wish to function as a redemption center. The encoding machine couldbe made available to this entity so that the blank magnetic strips 52 onthe cards 16 could be encoded according to the wishes of the purchaserof the mailers 10. Thus, the magnetic strips 52 could be activatedeither before or after the promotional mailers 10 are sent to the users.Such magnetic strips 52 can be comprised of a transfer tape which hashigh coercivity, low coercivity or approximately 2,750 coercivity. Forexample, a 3M magnetic strip 315 84 98011 4811 401, or the like can beapplied to the redemption card 16. The magnetic strip 52 itself can be0.25 to 0.5 inches in width and placed along the bottom edge, or anyedge for that matter, of the redemption card 16. Due to the small sizeof the magnetic strip 52, there is sufficient room on the redemptioncard 16 for placing other promotional offers, such as the illustratedcoupons 20, above the magnetic strip 52. Of course, the magnetic strip52 can be placed on either the front or back side of the redemption card16, enabling the back side to be fully used for other promotionaloffers, such as the detachable coupons 20.

[0057] Referring now to FIG. 11, a redemption card 16 is shown having aplurality of redemption offers and means for redeeming such offers,included in such offers are the previously described detachable coupons20 and magnetic strip 52. However, the card 16 can also include a barcode 54 imprinted thereon, on either side thereof, and scanned intypical fashion for redeeming an offer. The redemption card 16 can alsohave a bar code 54 associated with each detachable coupon 20 toelectronically track the redemption of such coupons 20. Further, one ormore of the detachable coupons 20 can be covered with a removable foillayer 56. This scratch-off layer 56 comprises a foil treatment which isapplied to one or more of the coupons 20 after the coupons are printed.It is intended that the underlying coupon 20 offers a special prize,item or discount for the card holder. For example, the hidden couponcould offer a prize, free hamburger, coke or fries to the card holder.Likewise, the bar code 54 could indicate an offer relating to an item,such as a medium pizza. The bar code is machine readable by a wand barcode reader or a stationary bar code scanner in typical fashion. Theaddition of bar codes 54 on the peel-off coupons 20 allows for greatertracking capability on the part of the redemption card center, such as afast food restaurant.

[0058] With reference now to FIG. 12, the redemption card 16 may includea microprocessor chip 58, also known as an integrated circuit chip.Integrated Circuit chips “IC chips” find wide application in thecomputer industry. A relatively new chip 58 which is comprised of aclear transparent material, lays on top of the card 16. This clear chip58 may be placed in the standard location on the card 16. The chip 58can be a wipe-down or blow-down chip 58 to be able to be placed at anylocation on the card, front or back or two chips 58 for varying use.These chips can be obtained by various companies, including SOLAIC. Thechip 58 functions like a ram chip which can be reprogrammed. Memorychips are available and used to make smart cards. After the promotionalmailer 10 has been fabricated, the memory or microprocessor chip 58 canbe embedded into or adhered onto either side of the redemption card 16.

[0059] The face of the chip 58 must typically be exposed so that anelectronic reader can read the chip 58. The exposed chip 58 can beadhered to the front or back of the card. The adhered chip 58 can be amemory chip 58 or microprocessor chips 58. The cards illustrated in FIG.12 can be used as smart cards. The cards also are used as couponredemption cards as previously discussed. The card 16 is an integralsmart card/coupon redemption card/post card. The smart card 16 also canbe used as a customer loyalty vehicle with or without coupons.

[0060] A card 16 with such a chip 58 can be used in the industry to havean image of a person and other information that will verify the user.The mailer 10 can be the vehicle to deliver the card 16 to the user.

[0061] As an example, the micro chip 58 can be adhered to a casino card16, such as that illustrated in FIGS. 11-12. Casinos now have slotmachines with magnetic card readers. Special cards with secret codes onthe magnetic strip are handed out to casino customers as a promotion.The card 16 allows the casino patron $25 to $50 or any amount to playthe slots. The card holder inserts the card 16 with the magnetic strip52 into the reader and he is electronically debited with a dollar amountto play the slots. He plays the slots until he gambles away the dollaramount, or if he wins, the slot machine dispenses coins or can creditthe magnetic strip 52. The casino card 16 with the micro chip 58 is moresophisticated. The slot machine microprocessor chip 58 readers could bereprogrammed on a daily basis to change the secret codes that arerecognized by the reader. The microprocessor chip 58 to be adhered tothe casino cards 16 could be electronically programmed with the new codeso that the reader would accept the card. A microprocessor chip 58 caneasily be reprogrammed even after it has been adhered to the casino card16. It would be next to impossible for an individual to program amicroprocessor chip 58 to make it compatible with the chip 58 reader onthe slot machine, acting as a security function of the casino card 16.

[0062] The casino card 16 may have multiple offers such as a scratch-off56 or a magnetic strip 52, or a special bar code 56 for a possiblejackpot, the micro chip 58 can give the customer a dollar amount creditto play the slots or playing chips 58, and the peel-off coupons 20 givethe customer free or reduced meals and other gratuities as printed onthe peel-off coupons 20.

[0063] It is to be understood, that the redemption card 16 can includeonly one of the redeemable means in the form of coupons 20 magneticstrip 52, bar code 54, scratch off foil layers 56 or computer chip 58,or any combination thereof as illustrated in FIGS. 11-13. Theseredeemable means can be placed on either side of the redemption card 16.It is also to be understood that the redeemable means as described canbe positioned outside of the redemption card 16 and onto the promotionalmailer 10 itself. This would allow multiple people to have discounts andoffers in the form of the redeemable means with a single promotionalmailer. This would also allow a system to be in place for tracking oractivating a redemption card 16 by scanning, for example, a magneticstrip or bar code placed on the promotional mailer 10 itself. Similar tothe redemption card, the redemption means could be placed on either sideof the promotional mailer 10.

[0064] The redemption cards 16 illustrated in FIGS. 10-13 can bemulti-purpose in nature. That is, aside from offering various coupons orredemption means for a single entity, more than one commercial entitycould offer redemption means on the same card 16 formed in thepromotional mailer 10. However, it should be understood by the readerthat such multi-purpose cards 16 can also be produced in traditionalfashion, without the promotional mailer 10, and distributed by currentlyexisting means. For example, as illustrated in FIG. 14, the base layer22 can be comprised of either plastic or paper core stock and have abackside thereof covered by the release liner 42 which holds a topcoupon layer 26, typically comprised of paper, to the base 22. A clearlaminate 46 may be overlayed on the coupon top layer 26, and thelaminate 46 and top layer 26 kiss-cut as described above to form theremovable coupons 20. On the opposite front side of the base layer 22,an integrated circuit chip 58 can be attached, adhered, or applied byany other method. Further, a clear laminate 48 may be attached to thefront side of the base layer 22 and may or may not include a hologram50.

[0065] With reference to FIG. 15, the removable coupons 20 can be formedin a top layer coupon stock 26, with an integrated chip 58 attachedthereto on one side thereof which has not been kiss-cut to form theremovable coupons 20. The coupon stock layer 26 is attached to the baselayer 22 by way of an intermediate release liner 42, as described above.A clear laminate layer 48 may be attached to the back side of the baselayer 22 for added support, and may or may not bear a hologram 50. Dueto the fact that these cards can be produced outside of the constraintsof the promotional mailer 10, the base layer 22 can comprise a singlelayer of plastic or paper core stock, or multiple layers as describedabove.

[0066] Referring now to FIG. 16, another multi-purpose card 16′ is shownhaving a integrated circuit chip 58, a magnetic strip 52, and aplurality of removable coupons 20 on one side thereof. The removablecoupons 20 are formed as described above, or otherwise known in theindustry, with the magnetic strip 52 and integrated circuit chip 58applied directly to the base layer 22 or top coupon layer 26.

[0067] Referring now to FIG. 17, yet another multi-purpose redemptioncard 16′ is illustrated having a plurality of removable coupons 20 in acentral portion of the card 16′, and having two integrated circuit chips58 on opposite sides of the card 16′ and mis-aligned with one another.The redemption card 16′ of FIGS. 16 and 17 can be used by removing thedetachable coupons 20, swiping the magnetic strip 52, or inserting theintegrated circuit chip 58 into an appropriate reader to obtain theproper discounts or the like. With the card of 16′ of FIG. 17, the twointegrated circuit chips 58 enable the user of the card 16′ to insertone end of the card so that only one of the integrated circuit chips 58is read, and inserting the other end of the card 16′ so that the secondintegrated circuit chip 58 is read. Each integrated circuit chip 58 caninclude different information, or redemption values. With the multipleredemption means included in each card 16 or 16′, promotional offerscould in fact be offered by two companies using the same card. Morelikely, however, the card could be used by a single company owningseveral retail or restaurant establishments. For example, the parentcompany of KFC® and Pizza Hut® could provide promotional offers on thesame card 16 or 16′ which could selectively be used by eitherrestaurant. Similarly, a fast foot chain could offer promotion andredemption offers for not only its fast food chain, but also itsexclusive soft drink provider, or vice versa.

[0068] Referring now to FIG. 18, a multi-purpose card 16′ is shownhaving a magnetic strip 52 and integrated circuit chip 58 on one sidethereof. Of course, the magnetic strip 52 can be placed on either sideof the card 16′, or even on both sides to suit the particular needs ofthe card. Similarly, an integrated circuit chip 58 can be placed oneither or both sides of the card 16′.

[0069] Referring now to FIG. 19, yet another multi-purpose card 16′ isshown having two integrated circuit chips 58 on the same surface of thecard 16′ and in alignment with one another. The card 16′ of FIGS. 18 and19, as well as those of FIGS. 20-23, are particularly useful asfinancial transaction cards. For example, the card 16′ of FIG. 18 canoperate as a house card, wherein either the magnetic strip 52 orintegrated circuit chip 58 operates as a debit card, while the otheroperates as a credit card. Other combinations can be realized as well.The card 16′ of FIG. 19, could also accommodate both a debit card andcredit card in that one of the integrated circuit chips 58 would containthe information for the debit card, while the other would have creditcard information. It is envisioned that this card 16′ could in fact betwo different types of credit cards, for example one half of the cardbeing Visa®, while the other half is a MasterCard®. Thus, if theconsumer wanted to use his or her Visa® card, the user would insert theend having the applicable integrated circuit chip 58 into theappropriate reader. If, on the other hand, the user had to or wanted touse his or her MasterCard®, he or she could insert the appropriate endinto the reader so that the integrated circuit chip 58 representing theMasterCard® would be read. The design on the card 16′ could be split inhalf to aid the consumer in the recognition of which half of the card16′ to use.

[0070] Referring now to FIG. 20, yet another multi-purpose card 16′ isshown having a magnetic strip 52 to integrated circuit chips 58 inalignment with one another and on the same surface of the card 16′, aswell an identifying picture 59 which would serve as identification forthe card holder. Potentially, this card 16′ could be issued by asingle-financial institution and bear debit card information on eitherthe magnetic strip 52 or one of the integrated circuit chips 58, as wellas two different types of credit cards on the remaining integratedcircuit chips 58 and/or magnetic strip 52. Thus, the consumer couldswipe the card 16′ through a magnetic card reader, or insert either endof the card 16′ into an integrated circuit chip reader. Such a card 16′would be extremely beneficial to the consumer as it would replacepotentially up to three different cards within his or her wallet.

[0071] Referring now to FIG. 21, another multi-purpose card 16′embodying the present invention is illustrated having two integratedcircuit chips 58 placed on the same surface of the card 16′, andmis-aligned with one another. Two bar codes 54 are also imprinted uponthe same surface of the card 16′. Of course, it will be appreciated bythe reader that different combinations of the bar codes 54 andintegrated circuit chips 58 could be placed on either side of the card16′, or in any configuration or arrangement. As illustrated, the card16′ could once again represent two different financial transactioncards. These could be used in a retail establishment, as a credit card,etc. One of the integrated circuit chips 58 could correlate with one ofthe bar codes 54, so that one half of the card 16′ is used for onefunction or at one retail establishment, while the other integratedcircuit chip 58 and bar code 54 are used separately. Thus, the consumercould insert either end of the card 16′ into an appropriate integratedcircuit chip reader, or have either bar code 54 scanned. It willappreciated by the reader that the two bar codes 54 and integratedcircuit chips 58 could also each represent a different transaction meansor redemption means.

[0072] Referring now to FIG. 22, another multi-purpose card embodyingthe present invention is illustrated having an integrated circuit chip58 on both sides of the card 16′. A scratch foil area 56 is also shown,which upon removal would provide the owner of the card with pertinentinformation such as a PIN number, signature line, or other security orpromotional information. It should be understood that the inclusion ofthe scratch-off foil 56 is optional as the integrated circuit chips 58may be placed solely on the card 16′. With this configuration, the card16′ could represent two different types of financial transaction cards,or have two distinct promotional offers, on either side of the card 16′.Thus, the owner of the card would insert the integrated circuit chip 58either face up or down depending upon the transactional card orpromotional offer desired to be employed at that particular time, whilenot reading upon the other transactional card or promotional offer.

[0073] Referring now to FIG. 23, another transactional card 16′embodying the present invention is shown having two integrated circuitchips 58 aligned within one another on the same surface and side of thecard 16′. It will be noted by the reader that in some of theillustrations the integrated circuit chips 58 are shown in a centralposition, while in others the integrated circuit chip 58 is positionedoff of center. This is due to the fact that the card readers can beadjusted by incorporating more than one reader head within the reader,or designed such that the reader can be repositioned to accommodate thecards 16 and 16′ of the present invention. The card 16′ of FIG. 23 couldbe multi-purpose in that it could represent different financialtransactional cards, different promotions, or the like. The card 16′, aswell as several of the above-described cards 16′, could be used forsecurity purposes. In this particular embodiment, by placing twointegrated circuit chips 58 adjacent one another, a single reader havingtwo heads could simultaneously read both integrated circuit chips 58 foraccess or clearance. Reading two integrated circuit chips 58simultaneously greatly increases the difficulty of creating fraudulentcards. A clear laminate layer 48 may be placed over the card 16′ whichmay also contain a hologram 50 for additional identification or securitypurposes.

[0074] It is to be understood by the reader that the multi-purpose card16′ of the present invention is not necessarily limited by the type ofintegrated circuit chip 58 nor in the placement, number, norconfiguration of the holograms 50, magnetic strips 52, bar codes 54,scratch-off foil layers 56, integrated circuit chips 58, or any othercurrently known or yet to be devised information containing orredemption means. Although the multi-purpose card 16′ can be sent viaFirst Class Mail using the promotional mailer 10 described above, thecombination of the multiple redemption and transactional informationmeans on a single card is itself inventive and the cards 16′ can beproduced separately and distributed using existing means. In the casethat the card 16′ is produced separately by traditional means, ittypically is of a thickness of approximately 30 mm or thicker.

[0075] Although the redemption card 16 and 16′ has been described asapproximating the size of a credit card, it is to be understood that itis not limited to such. For example, as illustrated in FIG. 24, apromotional mailer 10 may include a redemption card 16 approximating thesize of a credit card, as well as a smaller redemption card in the formof a key tag card 60. The key tag card 60 is much smaller and sized tofit on a key chain through an aperture 62 formed therein and comfortablycarried in the card holder's pocket. Similar to the redemption card 16described above, the key tag card 60 has at least one edge defined bythe outer periphery of the promotional mailer 10, and is perforated in asimilar matter as described above so as to be forcibly detached from thepromotional mailer, as illustrated in FIG. 25. With continuing referenceto FIG. 25, the key tag card 60 can include any of the previousredemption offers and means, including the coupon 20 scratch-off foil56, bar code 54, etc. In this way, the promotional mailer 10 can supplytwo individuals in one household with promotional offers, one in theform of the redemption card 16 to be placed in the user's wallet, whileanother member of the household may attach the key tag card 60 onto akey chain. The promotional offers may be duplicated between theredemption card 16 and key tag card 60, or offer different promotionsand offers.

[0076] With reference to FIG. 26, yet another redemption card 16 isillustrated, wherein the redemption card 16 includes, for illustrativeexemplary purposes, four detachable coupons 20 formed thereon. It shouldbe understood by the reader that this embodiment may contain more orfewer coupons 20. The redemption card 16 is defined by perforations 18at an outer periphery thereof, as well as additional perforations 18which can be used to separate the redemption card 16 into pairs, or evenindividual coupon cards 64. Thus, as the coupons 20 are redeemed, thecard holder may detach the area previously holding the coupon 20 fromthe redemption card 16 and decrease the size thereof for storagepurposes. Alternatively, the card holder may separate the promotionaloffers and distribute them among friends and family.

[0077] The coupon 20 as illustrated in FIG. 26 may comprise double flapcoupons, each coupon will be for a cents off product at the supermarket,for example. The shopper keeps the double flat coupon in her purse anduses the coupons as she purchases the items on the coupons. Thesecoupons 20 preferably have the evaporating or no-stick adhesive asdescribed above. All cents off store coupons now have bar codes printedon them so that the cashier can electronically credit the shopper withthe value of the card. Conventional coupons have the bar code and thecoupon information printed on the same side of the coupon. Because ofthe requirement of printing the coupon information and the bar code onthe same side of the conventional store coupon, the coupon cannot bereduced in size beyond its printing requirements. The present inventioncan allow the size of the coupon 20 to be reduced by printing the barcode. 54 on the other side, front or back, of the coupon 20. This allowsthe coupon 20 to be smaller, or it allows for more information to beprinted on the front of the card 16, because the bar code 54 iseliminated from the front which takes up space. The reduced size ofthese coupons 20 is an advertising and marketing advantage, becauseseveral coupons can be placed on the double flap coupon which is notvery large, and it allows for convenience by the shopper in that it isconvenient to have several coupons on one card, and the card takes upvery little space in the shoppers purse. Also, yet another coupon orpromotional information or offers could be printed onto the underlyingcard itself so that once the overlying coupon 20 is redeemed, anunderlying coupon can still be redeemed.

[0078] With reference now to FIG. 27, a fold-over promotional mailerpost card 66 is illustrated. Such post cards are often used in specialprograms where a return portion of the card is to be mailed back. Thiscan be particularly useful in situations where businesses, schools andother charitable organizations need to raise money. The promotionalmailer 66 acts as a fund-raising mailer, with a person receiving thepost card or the promotional mailer 66 and returning a portion thereofupon receipt for purchasing or tracking purposes. Typically, the personwould retain the portion of the mailer 66 housing the redemption card16. The fold-over promotional mailer 66 also enables additionalinformation and advertisements to be placed thereon.

[0079] With reference now to FIGS. 28-30, a tracking system isillustrated wherein the detachable coupons 20 removed from theredemption card 16 can be stored, tracked, and an accounting made usinga tracking sheet 68.

[0080]FIG. 29 illustrates a top plan view of the tracking sheet 68 whereeach redeeming peel-off coupon 20 from the card 16 can be affixedthereto. After the counter clerk removes a peel-off coupon 20 from thecoupon card 16, he or she affixes the coupon 20 onto one of the squares70 of the tracking card, as shown in FIG. 29.

[0081] The total amount of the sale is then written in the top of thesquare 70 adjacent to the $ symbol and immediately above the coupon 20.At the end of the shift, or sooner if the tracking sheet is filled upwith redeemed coupons, the clerk then adds up the total dollar value onthe front of the sheet for the total sales, which is entered on line 72towards the bottom.

[0082] The back side of the tracking sheet 68 in FIG. 30 illustratesfour rows of boxes 74-80. In the first box 74 in a row one, the clerkenters the total number of peel-off coupons 20 received for thepromotion. For example, buy one regular hamburger and get one free. Theclerk then enters the price of the peel-off items in the second box 76in row one. The amount in box one is multiplied by the amount in box twoand the product of the multiplication is entered in box three 78 on thefirst row. The clerk must then calculate the percentage of the cost ofpromotion to be entered in box 80. In the left column 82 the percentageof the product cost is entered, then the cost of material is entered andthen the total labor to make the item is entered. These figures aresupplied by management. The total is added and entered in box 84. Thesame number is entered in box 80 in the first row. The number in box 80is subtracted from the number in box 78 to arrive at the cost of thepromotion, which is entered in box 86 in the last row. The next threerows of boxes are used if the promotion covers other items such as afree coke or order of fries. The right boxes 86 and below are totaled toarrive at the total cost of the promotion which is entered on line 88.The tracking sheet 68 can be any type of surface where the redeemedcoupons 20 could be affixed to. For example, it could be a black pieceof cardboard, a blank sheet of paper, or any flat unmarked surfacecapable of holding the redeemed coupons. Also the cash register tape canbe used to affix the coupons to the tape. (The self sticking couponworks well on the cash register tape). The coupons may also be placed onany other tracking system.

[0083] After a tracking sheet 68 such as illustrated in FIG. 29 isfilled with redeemed coupons 20, the filled tracking sheets 68 could bescanned or read by a bar code reader that would send the data to acomputer which would tabulate the redeemed coupons to accelerate thetracking process, and would reduce or eliminate human error. It wouldalso reduce the number of man hours needed to manually tabulate thefilled tracking sheets.

[0084] Although several embodiments of the invention have been describedin detail for purposes of illustration, various modifications may bemade without departing from the spirit and scope of the invention.Accordingly, the invention is not to be limited, except as by theappended claims.

What is claimed is:
 1. A multi-purpose card, comprising: a base layerdefining a wallet-size card; a first integrated chip associated with thebase layer; and at least one of a magnetic strip, a bar code, detachablecoupons or a second integrated circuit chip which is associated with thebase layer; whereby the multi-purpose card may be used for differenttransactions or purposes.
 2. The multi-purpose card of claim 1, whereinthe base layer is comprised of plastic or paper.
 3. The multi-purposecard of claim 1, wherein the first integrated circuit chip is at leastpartially embedded into the base layer.
 4. The multi-purpose card ofclaim 1, wherein the first integrated circuit chip is adhered onto asurface of the base layer.
 5. The multi-purpose card of claim 1, whereinthe first and second integrated circuit chips are on the same surface ofthe base layer.
 6. The multi-purpose card of claim 5, wherein the firstand second integrated circuit chips are aligned with one another.
 7. Themulti-purpose card of claim 5, wherein the first and second integratedcircuit chips are mis-aligned with one another.
 8. The multi-purposecard of claim 1, wherein the first and second integrated circuit chipsare on opposite surfaces of the base layer.
 9. The multi-purpose card ofclaim 1, including a laminate layer including a hologram, overlying andattached to the base layer.
 10. The multi-purpose of card of claim 1,including a picture associated with the card.
 11. The multi-purpose ofcard of claim 1, including a defined area of the card having informationprinted thereon and covered with a scratch-off foil treatment.
 12. Apromotional mailer, comprising: a base layer having a peripheral edgeand first and second surfaces; a plastic film laminated to the firstside of the base layer; a top layer adhered to the first side of thebase layer; a multi-purpose card defined by score lines intermittentlycut through the top layer, base layer and plastic film such so as tosecurely maintain the multi-purpose card in place until forciblyremoved, the multi-purpose card having at least one edge defined by theperipheral edge of the base layer; a first integrated circuit chipassociated with the multi-purpose card; and at least one of a magneticstrip, a bar code, detachable coupons, picture, or a second integratedcircuit chip which is associated with the multi-purpose card; wherebythe multi-purpose card may be detached from the promotional mailer andused for different transactions or purposes.
 13. The promotional mailerof claim 12, wherein the first integrated circuit chip is at leastpartially embedded into the multi-purpose card.
 14. The promotionalmailer of claim 12, wherein the first integrated circuit chip is adheredonto a surface of the multi-purpose card.
 15. The multi-purpose card ofclaim 12, wherein the first and second integrated circuit chips are onthe same surface of the multi-purpose card.
 16. The multi-purpose cardof claim 15, wherein the first and second integrated circuit chips arealigned with one another.
 17. The multi-purpose card of claim 15,wherein the first and second integrated circuit chips are mis-alignedwith one another.
 18. The multi-purpose card of claim 15, wherein thefirst and second integrated circuit chips are on opposite surfaces ofthe multi-purpose card.
 19. The multi-purpose card of claim 12,including a laminate layer including a hologram, overlying and attachedto the multi-purpose card.
 20. The multi-purpose of card of claim 12,including a defined area of the multi-purpose card having informationprinted thereon and covered with a scratch-off foil treatment.